One form instead of a full income file — qualify on a written verification of employment.
If you’re a W-2 wage earner, a WVOE loan lets your employer verify your income on a single form, in place of pay stubs, W-2s, and tax returns. It’s the leanest way to document a salary or hourly wage when assembling the full paperwork is a hassle.
WVOE loans terms at a glance
Up to ~80%
maximum LTV
$3M+
maximum loan amount
One form
written VOE, no pay stubs
No tax returns
streamlined documentation
Low-600s
minimum credit score
W-2 earners
built for wage employees
All figures shown are maximums, with exceptions considered case-by-case. Final terms are quoted per deal and depend on your credit, the property, and the program that fits your file.
How a WVOE loan works
Your employer completes a Written Verification of Employment confirming your position, status, and income. For most files that form is the primary income document. At higher loan-to-value, a couple of recent bank statements may be requested to support it — but there are no pay stubs, W-2s, or tax returns to chase down.
Who it’s for
WVOE loans fit salaried and hourly W-2 employees who want a streamlined path — particularly anyone whose income is simple to verify but whose full documentation is cumbersome to produce. If you’re self-employed, a bank statement loan or 1099 / P&L loan is usually the better fit.
What a WVOE loan can do
- Qualify on a single written verification of employment — no pay stubs, W-2s, or tax returns
- Finance up to ~80% of value
- Loan amounts to $3,000,000+
- Built for W-2 salaried and hourly wage earners
- Credit from the low-600s
Every figure above is a program maximum, not a guarantee — your actual terms depend on credit, the property, and your file. We’ll quote real numbers once we see it.
Frequently asked questions
What is a WVOE loan?
A WVOE loan qualifies W-2 wage earners using a single Written Verification of Employment form completed by the employer, in place of pay stubs, W-2s, and tax returns. It’s a streamlined non-QM path for salaried and hourly employees.
Can I get a mortgage with just a verification of employment?
Often, yes. For many files the employer-completed VOE is the primary income document, with financing up to roughly 80% of value. At higher loan-to-value, a couple of recent bank statements may be requested to support the figures.
Who qualifies for a WVOE loan?
W-2 wage earners — salaried or hourly — who want to skip the paperwork of full income documentation. It’s especially useful when pay stubs or returns are hard to assemble but employment and income are easy to verify.
Do I need pay stubs or tax returns for a WVOE loan?
No. The written verification of employment stands in for pay stubs, W-2s, and tax returns. That’s the entire point of the program — one form instead of a full income file.
Simple income, simple paperwork. Tell us about your employment and we’ll show you what you qualify for.